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Refunds Policy

Published / Last Updated on 12/05/2017

About us

Roberts Clark Independent Financial Solutions Limited is an Independent Intermediary and is authorised and regulated by the Financial Conduct Authority to give such advice and is bound by their rules. Our Financial Conduct Authority firm reference number is 192598. Certain products are not regulated by the Financial Conduct Authority. Where this is the case we will tell you.

Our permitted business includes advising on, making arrangements in and arranging (bringing about) savings, investments, non-investment insurance contracts, regulated mortgage contracts (including lifetime mortgages and home reversion plans known as equity release) and pensions, including the specialist activities of pension transfers and pension opt outs. You can check this and all of our permitted business on the Financial Conduct Authority Register by visiting https://register.fca.org.uk or by contacting the Financial Conduct Authority on 0800 111 6768. Their address is 25 The North Colonnade, Canary Wharf, London, E14 5HS.

Access and use of the sites is subject to the following refunds policy and the other associated documents detailed on this page.

By accessing the sites you signify your acceptance of this refunds policy and the other associated documents. You must not use the sites if you do not accept the refunds policy and other associated documents.

If you do use the sites, your conduct indicates that you agree to be bound by the refunds policy and associated documents.

We recommend you save or print a copy of this refunds policy and other associated documents for your records.

This refunds policy replaces all previous refunds policies for the sites.

We may change or withdraw any part of the sites (including this refunds policy) at any time, with or without prior notice. You should check the date the refunds policy was last updated regularly.

We comply with the legislation contained in the Consumer Contracts Regulations that were introduced into UK law in June 2014. They replaced the Distance Selling Regulations 2000 and as updated. We strive to give clear information to allow you to make an informed choice regarding whether to buy from us or not.

The Consumer Contracts Regulations cover occasions where you purchase from us at a distance. For example, through the sites, via telephone or post. The regulations do not cover face to face purchases.

At the point during the transaction where the contract is about to be concluded (this means when you are obligated to purchase and we are obligated to supply) and if you are purchasing from us online, we will remind you of this before any payment is processed.

Once you have proceeded past that reminder, the contract will be concluded and your payment will be processed. You have a right to cancel within 14 days of receiving your goods.

For annual membership purchases, this is a service and not goods. As soon as your payment has been processed you will have access to the sites, including member only parts. We will send you an email acknowledging and confirming your purchase. If you wish to cancel the service then we reserve the right to charge for the time you had access to the sites to the point of receiving your notice of cancellation.

Cancelling Purchases (including your membership):

For financial guides and information (whether delivered electronically or by post) that are non-returnable.

You are not able to cancel once the contract has been concluded. Under the Consumer Contracts Regulations any material such as electronic financial guides and information could be deemed as ‘services’. Those financial guides and information posted to you could be deemed as ‘goods that by reason of their nature cannot be returned’. This is because once you have received the financial guide or information, you cannot return the knowledge gained from them.

If you wish to terminate your membership of FinancialAdvice.net you can do this at any time by sending an email to info@FinancialAdvice.net or by telephoning us. If you decide to end your membership part way through the subscription year (outside the 14-day cancellation period) we will not make a proportionate refund of the unused membership period.

Our Rights to Terminate your Membership

We may terminate your membership and refuse your access to the sites in the following circumstances:

If you do not make payments that are due to us

If you breach any of the terms detailed on the sites

If you do or fail to do anything that would jeopardises the continuance or reputation of us and our websites

If you breach any legislation including but not limited to, the Financial Services & Markets Act 2000.

Customer Satisfaction

If for any reason you are not satisfied with your membership of FinancialAdvice.net or other purchases, we will investigate the issues you raise and will endeavour to resolve them as quickly as possible.

If you wish to make a complaint relating to a regulated product or service, this will be dealt with in accordance with the rules of the Financial Conduct Authority. We have complaints handling procedures, which are available on request.